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Zolve Credit Card | Banking

Zolve Credit Card | Banking

High APY, No SSN Credit Card

3.8K ratings
297 reviews
💰 Finance
Free

Details

Released
December 2, 2021
Updated
November 4, 2026

Features

Developer

ZOLVE INNOVATIONS PRIVATE LIMITED
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About

This app helps newcomers to the US and Canada establish their financial lives. It offers credit cards, high-yield checking accounts, and assistance with SIM cards, flights, and insurance. Build credit history and manage finances easily from day one.

✓US & Canada Credit Card application
✓High-yield checking account
✓Credit building from Day 1
✓No SSN/SIN or credit history needed
✓Free SIM card delivery
✓International flight discounts
✓F1 Visa assistance
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What users say about Zolve Credit Card | Banking

Reviews of Zolve Credit Card | Banking are mixed: the Finance app is rated 4.1/5 from 3.8K App Store ratings. What users like most: smooth app experience, helpful credit card for students. Top complaints: app crashes and bugs, slow transaction processing. Summarized from real user reviews.

Positive things

  • 🚀Smooth app experience
  • 💳Helpful credit card for students
  • 💰Great cashback offers
  • 🤝Responsive customer support
  • 🌍Convenient for international students

Negative things

  • 🐛App crashes and bugs
  • ⏱️Slow transaction processing
  • 💳High APR and fees
  • 🔒Security and account access issues
  • 🕰️Long waitlist for card approval
See all reviews
+1

What's New in Zolve Credit Card | Banking

4.0.45

November 4, 2026

Fixed a crash affecting users on iOS 27 for a smoother, more reliable experience.

User reviews

Most RecentHighest RatedLowest Rated

Worst support team

Ever seen worst Ai support team . AI support doesn’t even connect or raise a ticket.
MSM Shravanth

Worst support team

Ever seen worst Ai support team , and also support team as well . AI support don’t even connect or raise a ticket
MSM Shravanth

Worst banking app ever

They are the worst service providers. Whenever I try to connect to their customer support, the bot doesn’t let me. It keeps on saying things but doesn’t solve anything. I have been trying to talk to an agent for about a month now but unable to do so. Every time I make a payment, my credit limit doesn’t update even though the payment shows settled. I am so frustrated going through this hassle every month. On the verge of quitting their service.
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ZZeeFatima!

Restricting transactions

Shame that the credit card you own is monitored for transactions and will be rejected for simple gaming purchases.

The Zolve that I used to own back in 2021/22 wouldn’t do this and still had cashback and money transfers.

What a let down !
UUSAReviews123

Application

You give them all your information and then they decide to tell you that they’re only for students and people who are” relocating to the United States”
Sscherber390
See 292 more reviews

User experience

🐞

Reported Bugs

3 issues

Login issues and incorrect password errors

Bug

App freezing and not loading data

Bug

Delayed or missing transaction updates

Bug
✨

Requested Features

4 requests

Face ID/Biometric login

Feature

Improved credit limit increase process

Feature

Integrated credit score tracking

Feature

Faster fund transfer and payment options

Feature

FAQ

What is the Zolve Credit Card's APY?

The Zolve Credit Card offers a tiered APY structure. You can earn up to 5.13% APY on deposits when you maintain an active Zolve Credit Card in good standing and receive $250+ in qualifying direct deposits. Without these conditions, the APY can be as low as 2.02%.

Does Zolve require a Social Security Number (SSN) or credit history?

No, Zolve allows you to apply for a credit card and bank account using just your Passport & Visa, without needing an SSN/SIN or prior credit history. This makes it accessible for newcomers to the US and Canada.

What are the benefits of the Zolve checking account?

The Zolve checking account offers a high APY of up to 5.13% on deposits, no monthly maintenance fees, and free withdrawals at over 60,000 Allpoint ATMs. Your deposits are FDIC-insured up to $250,000 through their partner bank.

How does Zolve help with building credit?

The Zolve Credit Card is designed to help you build your credit history from day one with responsible use. This is crucial for establishing financial stability in a new country.

Is Zolve a bank?

Zolve Innovations Inc. is a financial technology company, not a bank or lender. Banking services are provided by their partner bank, Continental Bank, Salt Lake City, UT - Member FDIC.

What kind of support does Zolve offer for F1 visa holders?

Zolve provides expert guidance through free visa webinars, a free visa folder for preparation, and 1:1 mock interview sessions to assist F1 visa applicants.

What is the user sentiment for the Zolve app?

User reviews for the Zolve app are mixed. While users appreciate the smooth app experience, helpful credit card for students, and great cashback offers, some report app crashes, bugs, and slow transaction processing.

How often is the Zolve app updated?

The Zolve app was last updated on November 4, 2026, with version 4.0.45. This indicates a relatively active development cycle, though specific update frequency is not detailed.